| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE S FARGO, ND 581211000 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 5.81% |
| HALVORSON BENEFITS PLUS INC3 | 3320 WESTRAC DR S STE D P O BOX 212 FARGO, ND 581032243 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 4.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $66 | $3K | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | — | $212 | 0.07% |
| DIRECT BENEFITS INC3 | 55 E 5TH ST STE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC NORIDIAN INSURAN | 4510 13TH AVE S FARGO, ND 581211000 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.44% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $564 | — | $564 | 2.56% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $285K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $285K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $285K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.